In this future-forward episode of India FinTech Diaries, we sit down with Aishwary Gupta, Global Head of Payments at Polygon Labs, to unpack what comes after UPI. With stablecoin legislation gaining traction globally and Web3 infrastructure maturing rapidly, this episode explores what India’s next-generation payment rails could look like in a programmable, tokenized future.
Here’s what you’ll learn:
🪙 The role of stablecoins & CBDCs
⚙️ Why UPI needs a programmable upgrade
🤖 Agentic commerce & AI-powered banking
🌍 How Polygon is scaling payments globally
Contact Polygon Labs
In this episode of India FinTech Diaries, we sit down with Sanjay Tripathy, Co-Founder & CEO of BRISKPE, to explore how they’re solving one of the most complex challenges faced by Indian MSMEs—cross-border B2B payments. From opaque processes and costly fees to regulatory hurdles, cross-border trade remains a daunting space for exporters and service providers alike.
Sanjay shares the BRISKPE origin story, their mobile-first approach, and how the team is building a future-ready, regulation-first cross-border platform trusted by MSMEs across India.
Key Highlights:
🌍 Solving the Real Pain: Problems faced by the goods export segment—a sector often ignored by fintechs despite making up nearly 50% of India’s export base.
📲 Mobile-First Platform: Why offering MSMEs a “Google Pay-like” experience is today’s need
📜 Compliance and Regulations: From real-time e-FIRA generation to e-BRC and IDPMS workflows, looking at how compliance can be digitized.
🌐 The Vision Ahead: From being listed as an official payment provider on Amazon to targeting Southeast Asia expansion, BriskPe is positioning itself as the go-to partner for growing India’s digital trade ecosystem.
Tune in to this insightful episode to understand how BRISKPE is digitizing cross-border payments for Indian SMEs.
Contact BRISKPE
In this episode of India FinTech Diaries, we dive into the transformation of insurance distribution with Anand Prabhudesai, co-founder of Turtlemint. Anand shares how Turtlemint is breaking down the complexities of insurance, making it accessible for millions across India through technology and a vast agent network. From revolutionizing how insurance is sold to training a new generation of financial advisors, Turtlemint has been at the forefront of India's insurtech revolution.
Key Highlights:
💡 Simplifying Insurance: Turtlemint empowers agents with tools and training to make insurance easier for customers, especially in remote areas.
🚀 The Power of Technology: Learn how Turtlemint’s platform provides comparisons, digital journeys, and seamless integrations to empower agents and customers.
🌍 Growth and Milestones: With over 4 lakh agents in 18,000+ pin codes, Turtlemint has made insurance more accessible than ever, benefiting millions across the country.
Tune in to learn how Turtlemint is reshaping the insurance landscape and making financial security a reality for many.
Contact Turtlemint
Anand’s LinkedIn: https://www.linkedin.com/in/anandprabhudesai/
LinkedIn: https://www.linkedin.com/company/turtlemint/
Instagram: https://www.instagram.com/turtlemint.insurance/
X: https://x.com/helloturtlemint
Website: https://www.turtlemint.com/
In this episode of India FinTech Diaries, we explore the complexities of cross-border payments with Movin Jain, co-founder of Skydo. Skydo has been at the forefront of simplifying global transactions for Indian businesses, providing seamless B2B payment solutions to small and medium enterprises (SMEs) across various sectors. Movin shares insights on how Skydo is breaking down the barriers of traditional banking, making international payments faster, cheaper, and more transparent.
Key Highlights:
💡 Challenges in Cross-Border Payments: Movin explains the complexity of global transactions, from financial crime risks to the high costs imposed by traditional banks.
🚀 Skydo’s Solution: Learn how Skydo’s virtual foreign currency accounts are helping Indian businesses receive payments from over 100 countries, eliminating the need for local bank accounts.
🌍 The Future of B2B Payments: Movin shares his vision for the future, from expanding Skydo’s customer base to leveraging regulatory approvals to foster trust in the platform.
Tune in to this insightful episode to understand how Skydo is transforming the landscape of cross-border payments for Indian SMEs.
Contact Skydo
In the second episode in the DLAI Fintech Conclave 2025 podcast series, we are joined by Pallavi Shrivastava, co-founder of Progcap, to explore the critical role of MSMEs (Micro, Small, and Medium Enterprises) in driving India's economic growth. As India sets its sights on achieving Viksit Bharat—a vision of a developed India—MSMEs are positioned as a key driver of this transformation. However, access to finance and digitization remain significant challenges for many small businesses.
Pallavi shares her expert perspective on how fintech innovation is bridging these gaps, empowering MSMEs with much-needed access to formal credit and digitization solutions. The episode delves into the recent budget announcements aimed at boosting MSMEs, fintech innovations reshaping access to finance, and the challenges faced by small businesses in adopting new technology.
This episode offers a comprehensive look at the future of MSMEs and how they are central to the Viksit Bharat vision.
Key Highlights:
💡 The role of MSMEs in India's Viksit Bharat vision
📊 Recent budget initiatives for MSMEs
💻 How fintech is transforming access to finance for small businesses
⚡ The challenges of rapid growth and digitization
🔮 The future outlook for MSMEs in India
Tune in for a detailed conversation on the future of MSMEs and their impact on India's economic landscape!
Contact DLAI
Carrying on with the tradition of episodes with DLAI, this year we tried something different and worked on recording episodes after their Annual Fintech Conclave. In the first episode in this series, we explore the dynamic shifts in consumer finance with Anuj Kacker, co-founder of Freo. Anuj shares his perspective on how the fintech industry has evolved in the last five years, from post-pandemic recovery to the increasing importance of financial inclusion and managing risks. We covered the following with Anuj:
💡 Post-Pandemic Growth
📈 Demand Shifts
🔍 Risk Management in lending
🚀 The Future of Finance
Tune in to this episode to hear more about the future of consumer finance and the role fintech will play!
Contact DLAI
In our first episode of 2025, we dive into the world of open-loop transit payments with payments industry veteran, Manoj Sugathan. With over 30 years of experience, Manoj has played a pivotal role in driving contactless payment solutions across the Asia-Pacific region. We explore the future of public transportation payments and how open-loop systems are revolutionizing the way commuters travel globally.
Key Highlights:
🔄 Closed-loop vs. Open-loop Systems: Manoj explains the difference between transit-exclusive payment cards and open-loop systems that allow you to use your everyday contactless cards or mobile wallets to pay for public transport.
🌍 Global Adoption: Open-loop transit payments have been successfully implemented in cities like Singapore, London, and New York, with more than 900 programs worldwide.
🚇 India’s Opportunity: As India rapidly expands its metro networks, the country is uniquely positioned to implement open-loop systems from day one, offering seamless travel across cities with just one contactless card.
Tune in to the full episode to learn more about the future of transit payments and how it can transform the commuting experience!
Contact Manoj
In this special end-of-the-year episode of, we sit down with Neha Singh, co-founder of Tracxn, to discuss the major funding trends that shaped the fintech landscape in 2024 and what lies ahead for 2025. Tracxn, one of the leading data intelligence platforms for private market research, tracks over 3.3 million entities across industries globally. With such a vast pool of data, Neha provides invaluable insights into the current state of fintech funding and the future of this rapidly evolving industry. In conversation we discussed:
📉 2024 Fintech Funding Trends
💰 Top Sectors for Funding
🚀 What’s Ahead for 2025?
Listen to the full episode to gain more insights into what 2025 holds for fintech!
Contact Tracxn
LinkedIn: https://www.linkedin.com/company/tracxn/
X: https://x.com/Tracxn
Website: https://tracxn.com/
Instagram: https://www.instagram.com/tracxntechnologies/
In our next episode in the SamvAAd 2024 series, we dive deep into the evolving world of Open Finance with Kiran Gopinath, the founder of Open Finance Connect. Open Finance is reshaping financial services globally by enabling consumers to control and share their financial data for better products and services and India and the AA ecosystem is at the forefront of it.
Here are the key highlights:
💡 What is Open Finance?
🌍 Global Leaders in Open Finance
🥇 India's Open Finance Success
🔮 Looking Ahead to 2030
Tune in to learn how Open Finance is transforming financial services and how AA can play key role in powering the next billion Open Finance users
Contact Kiran
LinkedIn: https://www.linkedin.com/in/kirangopinath1/
X: https://x.com/KiranGopinath
Website: https://www.openfinanceconnect.com/
In the latest episode, we explore the journey of India's account aggregator (AA) framework—a consent-based data-sharing platform transforming the financial landscape. We caught up with B.G. Mahesh, CEO of Sahamati and Shallu Kaushik, Digital Head of Tata Capital to discuss the rapid growth of India's account aggregator framework, and to help unpack the progress made since launch. We discussed:
📈 Growth of the AA ecosystem in India
🪙 Lending and wealth management as key use cases
💰 Benefits of AA adoption
🔮 Challenges and future adoption
Tune in to the full episode to learn more about its impact and future potential
Contact Sahamati
LinkedIn: https://www.linkedin.com/company/sahamati/
X: https://x.com/sahamati
Website: https://sahamati.org.in/
Sahamati Annual Report: https://sahamati.org.in/wp-content/uploads/2024/11/Sahamati-Annual-Report-2024.pdf
In the latest episode, we dive deep into the world of loyalty programs and their intersection with payments with special guest Rishi Batra, Co-Founder and COO of Twid. India’s loyalty market is rapidly growing, and Twid is at the forefront of redefining how consumers engage with rewards. In this episode we discuss:
📈 Loyalty trends in India
🪙 Pay with points innovation
⚔️ Challenges in building a reward network
💰 Economics of loyalty
🔮 Future of loyalty
Tune in to the full episode to learn more about the exciting innovations shaping the future of loyalty in India.
Contact Twid
In this latest episode , we delve into the fascinating world of co-branded credit cards and the future of credit in India. Our guest, Ramanathan RV, co-founder of Hyperface, shares his expert insights on the evolution of credit cards and fintech solutions. From his journey at BankBazaar and JustPay to launching Hyperface, Ram takes us through the intricacies of credit card ecosystems and the digital transformation of India’s financial sector. We discuss:
🔥 The Rise of Co-Brands in India
💸 Unique value of Co-Brands
💻 Technology’s role in Co-Brands
🏆 What it takes to win in Co-Brands
🔮 Future of Credit and Co-Brands in India
Listen in for some interesting insights on Co-Brands in India.
Contact Ram
Contact Hyperface
In this episode of India FinTech Diaries, we venture beyond our usual focus on Indian FinTech to look at Indian Fintech with a Latin American lens. We are joined by special guests Julio Vasconcellos and Ana Martins from Atlantico, who share their impressions of Indian Fintech and how it contrasts with the Fintech ecosystem of Latin America. Here’s what we talked about:
🔥 The Indian Entrepreneurial Spirit and Global Ambition
💸 The Concept of the ‘Business of Free’ in India
🪙 Regulatory Evolution and Its Impact on FinTech
🌎 Fintech in Brazil and Latin America
🧭Cultural and Social Parallels Between India and Brazil
This episode provides a unique look at the Indian and Latin American FinTech ecosystems, highlighting the lessons they can learn from each other. Tune in to hear more about the future trends in FinTech and how these regions are poised to lead the next wave of global innovation.
Contact Ana
Contact Julio
Contact Atlantico
As India’s e-commerce landscape continues to boom, ranking 9th in global cross-border growth, companies are increasingly looking for ways to streamline international payments.In this episode we dive into the dynamic world of cross-border e-commerce payments with Reeju Datta, co-founder of Cashfree. Reeju offers a behind-the-scenes look at how Cashfree has been a game-changer in this space, helping Indian businesses expand globally without the hassle of setting up shop abroad. From discussing the innovative beginnings of Cashfree—designed to reduce the reliance on cash-on-delivery—to explaining the complexities of Payment Aggregator Cross-Border (PACB) licences, Reeju shares insights that will fascinate both FinTech enthusiasts and business leaders. In this episode we discuss:
💸 Cashfree’s origin story
💰Cross-Border E-Commerce Payments
⚙️ Payment Aggregator Cross-Border (PACB) Licence
🌍 Innovations in Cross-Border Payments
Listen now to discover how cross-border payments are evolving, and how Cashfree is leading the charge in making global transactions smoother and more efficient for Indian businesses.
Contact Reeju
Contact Cashfree
UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore:
💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030.
💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI.
⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI
🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions
Make sure to listen to the full episode for a deeper dive into these topics!
Contact Sivaram Kowta
Download Chak De India - Democratizing Credit With Credit Line On UPI: https://www.zeta.tech/in/white-paper-on-credit-line-on-upi-opportunity-for-banks
Contact Deepak Kumar
Contact Zeta
It has been about a year since the Credit Line on UPI was announced. We caught up with Gaurav Mittal, CEO and co-founder of Vegapay, to understand what has happened in this space in the year gone by and what are some of the technology considerations for launching such a successful product. In the episode we discussed:
💸 Credit Lines and the role of third party apps
⚙️ Tech stack and regulations
💰 Opportunities for banks
🗺️ Vegapay’s role in the ecosystem
Listen to this first episode in our series on Credit Line on UPI
Contact Gaurav
LinkedIn: https://www.linkedin.com/in/gaurav-mittal-8084349/
Contact Vegapay
LinkedIn: https://www.linkedin.com/company/vegapay/
Website: https://vegapay.tech/
In this special episode of India Fintech Diaries, we celebrate National Fintech Day with a deep dive into the role of fintechs in supporting MSMEs, the backbone of India's economy. Our guests, Kumar Shekhar, Deputy Country Manager of Tide India, and Sundeep Mohindru, CEO,Promoter and Director of M1xchange, share their insights on the challenges and opportunities faced by MSMEs in accessing banking and lending services. We explore the innovative solutions fintechs are providing to close the financing gap, the evolving role of government policy, and how these digital platforms are reshaping the future of MSME financing in India. In this episode we discuss:
🏭 MSMEs and their Impact on the Economy
⚙️ Challenges in MSME Banking and solutions
💰 The Role of Fintechs in MSME Financing
📬 Types of MSME Lending Products
🗺️ The Future of MSME Financing
Listen to this episode for insights on how fintech is making an impact in finance
Contact Kumar Shekhar
Contact Sundeep Monhindru
In our next episode on AI, we spoke with Ankit Ratan, Co-Founder Signzy. Ankit helped us understand and answer the important question of how GenAI is helping banks with compliance and regulators with monitoring compliance. In our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ SupeTech and GenAI
🔑 Key considerations for navigating compliance & AI
💡 Signzy and AI
Listen to this episode for insights on the intersection of GenAI and compliance
Contact Ankit
Contact Signzy
In our latest episode on AI, we spoke with Anant Gupta, FSI Head, Google Cloud India to better understand how AI use cases are implemented on the cloud and how financial services firms could leverage the cloud to bring AI use cases to life. During our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ Implementing AI use cases on Google Cloud
🔑 Key considerations for implementing AI
💡 Parting thoughts on evolution of AI use cases in India
Listen to this episode for perspectives on how GenAI is changing financial services in India
Contact Anant
Generative AI is rapidly transforming many industries across the globe and financial services is one of them. To better understand the impact of GenAI and AI in general on the financial services space, our next few episodes will be focused on speaking to companies and leaders in this space. To begin unpacking this topic we spoke with Raoul Nanavati, Co-founder & CEO, Navana. Navana.ai empowers businesses to create user-friendly digital interfaces for the next billion and is actively working with financial services firms to help them interact with their customers in regional languages. During our conversation we discussed:
🗺️ Raoul’s journey to starting Navana
🫰 Understanding LLMs
💡 Cracking the difficult problem of voice LLMs for Indic languages
🧰 Product overview, traction and technology
💰 Business model of Navana
🧭 2024 for Navana
Listen to this episode for perspectives on how GenAI is changing financial services in India
Contact Navana
